The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
As a result your policy lapses and you end up losing life cover. Primarily there are two kinds of insurance policies. One type of policy is simple insurance without any investment, also called as term policy.The other type is an insurance policy with investment option. In case of the former, if you fail to pay the premium regularly, you can say the policy has lapsed.Lapsing of insurance policy is quite common.s a result your policy lapses and you end up losing life cover. Primarily there are two kinds of insurance policies. One type of policy is simple insurance without any investment, also called as term policy.